What if renters saved in BTC instead of a savings account? Two strategies, real historical math.
Median Home Price
$437,000
May 2026 · Redfin
20% Down Payment
$87,400
The target
BTC Needed Today
1.0925 ₿
@ $80,000/BTC
BTC Needed in 2019
8.5 BTC
@ $7,400/BTC · home $313k
Monthly DCA Amount
≈ $3,600/yr · $25,200 total over 7 years
The theory: Bitcoin bottoms roughly every 4 years. If you recognize the bottom and deploy savings there — even a small lump sum — how quickly do you reach a down payment?
Lump Sum Invested at Bottom
⚠️
The honest caveat: Cycle bottoms are only obvious in hindsight. No one rings a bell at the bottom. This strategy requires conviction, patience, and the ability to hold through 70–80% drawdowns. DCA (Strategy A) removes the timing burden — but bottom buying, historically, produces dramatically faster results.
📡 TTF Signal
The money printer inflates homes in dollar terms — but priced in Bitcoin, the median US home has fallen from
84 BTC in 2019 to ~5.5 BTC today.
Saving in Bitcoin is not speculation — it's denominating your savings in an asset that outpaces the very force pricing you out of the housing market.
Historical BTC prices are monthly averages and are approximate. Past performance is not indicative of future results.
Bitcoin is a highly volatile asset. This calculator is for educational purposes only and does not constitute financial advice.
Tim George is not a licensed financial advisor.